The template is definitely just 2D - the image of the EV1 you used looks to be slightly askew (looking down) which makes it look worse. And the Cd's don't lie: the Insight is 0.25 and the EV1 is ~0.20. The *sides* of both cars are tapered and this can reduce the drag by as much as 40%. Maybe the EV1 does this and other things better?
Also, the EV1 is an EV (no duh!) and this means it's cooling system drag is possibly only 10-20% as high as the Insight.
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